I agree and have built my systems myself, but then there are people who don't want to be bothered with putting the kit together themself, or they are afraid their ability isn't there to do it even though the process isn't difficult at all.
Yes, that's very true John, but this should highlight what a ripoff OEM computers are. The solution is to look at an independent shop that will build from either customer-supplied components or at least a customer-supplied list. Many of these also have volume license of Windows, so customers can somewhat offset the build cost.